How long has it been since you compared cheaper Honda CR-V insurance in Casper? Finding cheap Honda CR-V insurance in Casper is very difficult for drivers new to shopping for insurance online. Consumers have so many different companies and agents to choose from that it can be a challenge to locate the lowest rates.
Unthinkable but true, about 70% of customers kept buying from the same company for well over three years, and approximately 38% of consumers have never even compared rates from other companies. Casper drivers could save about 20% every year, but most just don't grasp the large savings they would see if they changed companies.
Cheap Casper car insurance rates with discounts
Companies that sell car insurance don't list every available discount very clearly, so we took the time to find both well-publicized and the harder-to-find savings tricks you should be using when you buy Casper car insurance online. If they aren't giving you every credit you deserve, you are just wasting money.
- Safety Restraint Discount - Buckling up and requiring all passengers to use a seat belt may be able to save a few bucks on the medical payments or PIP coverage costs.
- Claim Free - Insureds with no claims or accidents pay much less as compared to accident-prone drivers.
- Switch and Save Discount - A few larger companies allow discounts for switching companies before your current CR-V insurance policy expires. You can save around 10% with this discount.
- Save with More Vehicles Insured - Buying insurance for multiple cars or trucks on the same car insurance policy can get a discount for every vehicle.
- Defensive Driving Course - Taking time to complete a defensive driver course is a good idea and can lower rates if you qualify.
- Distant Student Discount - Older children who are attending college and leave their car at home may be insured at a cheaper rate.
Don't be shocked that some credits don't apply to the whole policy. Most cut specific coverage prices like collision or personal injury protection. So even though you would think having all the discounts means you get insurance for free, you're out of luck.
If you would like to view insurers with the best Honda CR-V insurance discounts in Casper in Casper, click this link.
To find the best insurance rates, there are several ways to compare prices from local Casper insurance companies. By far the easiest way to compare Honda CR-V insurance prices involves getting comparison quotes online. Just keep in mind that getting more free quotes helps locate the best offered rates.
The providers in the list below are our best choices to provide price comparisons in Wyoming. If more than one company is shown, it's a good idea that you visit two to three different companies to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CR-V LX 2WD||$168||$318||$344||$20||$104||$954||$80|
|CR-V EX 2WD||$208||$394||$344||$20||$104||$1,070||$89|
|CR-V LX 4WD||$170||$242||$398||$24||$120||$954||$80|
|CR-V EX 4WD||$148||$248||$344||$20||$104||$864||$72|
|CR-V EX-L 2WD||$194||$242||$398||$24||$120||$978||$82|
|CR-V EX-L 4WD||$280||$422||$314||$18||$94||$1,128||$94|
|Get Your Own Custom Quote Go|
Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Wyoming minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rate quotes do not factor in specific Casper garaging location which can decrease or increase price quotes substantially.
Bad driving habits will cost you more
The example below shows how violations and at-fault accidents drive up Honda CR-V insurance costs for different insured age categories. The prices are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.
Learn How to Lower Your Insurance Rates
Many things are part of the equation when premium rates are determined. A few of the factors are predictable like an MVR report, although others are not quite as obvious like your continuous coverage or how safe your car is. It's important that you understand the rating factors that are used to determine your policy premiums. When you understand what determines base rates, this enables you to make decisions that may result in cheaper rates.
The following are some of the things insurance companies consider when setting your rates.
Age of drivers impacts prices - Teen drivers in Wyoming tend to be inattentive and easily distracted when driving with friends so they pay higher insurance rates. Older people are more cautious drivers, cost insurance companies less in claims, and receive fewer citations.
Accidents are costly - Even one chargeable violation can boost insurance rates substantially. Attentive drivers get better prices compared to bad drivers. Drivers unfortunate enough to have careless citations such as DUI or willful reckless driving may need to complete a SR-22 with the DMV in their state in order to prevent a license revocation.
Don't cancel your policy without a new one in place - Not maintaining insurance is illegal and you will pay a penalty because you let your insurance lapse for non-payment. In addition to paying higher rates, the inability to provide proof of insurance will get you a hefty fine and possibly a revoked license. Then you may be required to provide proof of insurance in the form of an SR-22 filing with the Wyoming department of motor vehicles.
Getting married can save you money - Having a wife or husband actually saves money when shopping for insurance. Having a spouse may mean you are more mature and responsible and it's proven that married couples file fewer claims.
More traffic equals higher costs - Having an address in areas with lower population is a positive aspect when talking about insurance. Fewer people means less chance of accidents as well as less vandalism and auto theft. People in densely populated areas have much more traffic and more severe claims. More time on the road can result in more accidents.
Do safer cars cost less to insure? - Vehicles that have high safety ratings tend to be cheaper to insure. The safest vehicles have better occupant injury protection and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates. If the Honda CR-V has at least four stars on Safercar.gov or an "acceptable" rating on iihs.org you may be receiving a better rate.
Policy add-ons add up - There are a ton of extra add-on coverages that you can buy when buying insurance. Coverages like rental car reimbursement, accident forgiveness, and extra equipment coverage are some examples. These coverages may sound good at first, but if you've never needed them in the past remove them and pocket the money.
Don't abuse insurance claims - Auto insurance companies in Wyoming award the lowest premiums to people who do not file claims often. If you file a lot of claims you can expect either policy cancellation or increased premiums. Insurance coverage is designed for claims that pose a financial burden.
Loss probability for a Honda CR-V - Auto insurance companies use past insurance losses when setting rates for each model. Vehicles that statistically have higher claim amounts or frequency will have higher rates for specific coverages. The table below shows the loss history for Honda CR-V vehicles.
For each coverage category, the statistical loss for all vehicles, without regard to make or model, equals 100. Values that are below 100 suggest a positive loss record, while values over 100 indicate a higher chance of having a claim or tendency to have higher losses.
Insurance Loss Ratings for Honda CR-V Vehicles
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Honda CR-V 4dr 2WD||68||81||58||93||86||77|
|Honda CR-V 4dr 4WD||69||82||69||90||87||78|
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Tailor your auto insurance coverage to you
When buying a policy, there isn't really a "best" method to buy coverage. Everyone's situation is a little different so your insurance needs to address that. These are some specific questions can help discover whether you might need professional guidance.
- Where can I get insurance after a DUI in Wyoming?
- What is the difference between personal and commercial auto insurance policies?
- What states are considered no-fault?
- How much coverage applies to personal belongings?
- Are there any extra discounts I can get?
- Should I waive the damage coverage when renting a car?
- Are rental cars covered under my policy?
- How can I get high-risk coverage after a DUI?
- How high should my medical payments coverage be?
If you can't answer these questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.
Insurance just makes sense
Even though Casper CR-V insurance rates can get expensive, buying insurance is not optional due to several reasons.
First, the majority of states have mandatory liability insurance requirements which means you are required to buy specific limits of liability protection in order to be legal. In Wyoming these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
Second, if you bought your Honda CR-V with a loan, almost all lenders will make it mandatory that you have comprehensive coverage to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the lender may insure your Honda for a much higher rate and force you to pay much more than you were paying before.
Third, insurance preserves not only your car but also your assets. It will also provide coverage for medical expenses that are the result of an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If your car is damaged in a storm or accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of having insurance are without a doubt worth the cost, particularly if you ever have a claim. But the average driver in Wyoming is wasting up to $865 each year so it's important to compare rates at every renewal to save money.
Frequent quotes can save
As you shop your coverage around, do not buy poor coverage just to save money. There are many occasions where someone sacrificed comprehensive coverage or liability limits to discover at claim time that it was a big mistake. The proper strategy is to buy enough coverage at the best price, but do not skimp to save money.
Cheap Honda CR-V insurance in Casper is definitely available online and also from your neighborhood Casper agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies may not have online rate quotes and usually these regional insurance providers only sell coverage through independent insurance agencies.
More detailed auto insurance information can be read at these sites:
- Determing Auto Insurance Rates (GEICO)
- Who Has Affordable Auto Insurance for Felons in Wyoming? (FAQ)
- How Much is Car Insurance for Young Drivers in Wyoming? (FAQ)
- A Tree Fell on Your Car: Now What? (Allstate)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Understanding Your Insurance Deductible (Insurance Information Institute)